If you’re preparing to embark on the healing journey of addiction treatment and are curious about the costs associated with it and how insurance can supplement the cost, Muse has the answers you’re seeking. If you are a current Beacon insurance member looking, to begin with Beacon insurance, the information below will inform you of the coverage offered and how it applies to your upcoming rehab program. 


What Is Beacon Insurance & How Does It Work?

Beacon Insurance is part of a network of 34 independent insurance providers under the Blue Cross Blue Shield (BCBS) health association. Across the United States, there are over 100 million people that are enrolled in BCBS and receiving top-quality medical care through the insurance plans offered.  Medical care and coverage offered range in types of services that address both physical and psychological health needs as well as specialized forms of health care and treatment. Beacon offers a one-of-a-kind coverage plan that places a direct focus on healing and medical care through a behavioral health medicine umbrella. 


Beacon is offered through both in-network and out-network providers. An in-network provider is considered to be under the medical field scope including doctors, pharmacists, labs, and hospitals. In-network providers will provide you with medical care at a preferred lower rate allowing you access to the medical services required without worrying about the financial impacts of seeking treatment. An out-network provider is not obliged under any contracts to provide care within financial constraints. This means that plan holders will receive insurance payments for the allotted amounts and then the insurance provider will bill you for the rest of the remaining fee. In some cases, plan holders may need to request a secure pre-approval for the costs associated with your medical treatment and once that is approved, you can file your claim. Muse Treatment Centers is an out-network provider. Our team of insurance specialists can walk you through the insurance coverage process and support you in creating affordable payment options for any remaining amount owing on your treatment program. 

What Are Beacon’s Types of Plans?

There are a variety of healthcare plans offered within Beacon Insurance and, some plans, can be made in partnership with other healthcare providers to broaden the scope of coverage offered. The majority of Beacon Insurance plans will have coverage for various types of behavioral medicine treatments. Depending on which provider Beacon partners with, the coverage provided can vary. Beacon offers different options for people who are uninsured and anyone who has lost a job recently. This opens the door for medical and behavioral treatment options for anyone who needs them most. 

Drug & Alcohol Rehab Facilities That May Accept Beacon Insurance (talk about Muse in a small paragraph mentioning phone number or other CTA)

At Muse Treatment Centers, we accept a variety of insurance providers to apply to the cost of your treatment program. Beacon Insurance is one of the out-network insurance providers that are accepted and offer varying lengths of coverage for your treatment plan. Speak to our admission team over the phone at 1 (800)  426-1818  or visit our website to verify your insurance. Our admission team is available day or night to speak with you, answer any questions you have, and get you started on your road to recovery. 

Does Beacon Insurance Cover Alcohol & Drug Rehab Treatment?

Yes, Beacon Insurance does cover alcohol and drug rehab treatment under their insurance policies. Since The Affordable Care Act has been initiated, it has mandated insurance companies to include specific treatments for mental health and substance use disorders as they are considered essential healthcare services. The mandatory requirements of this act state that insurance companies have varying amounts of coverage available. Depending on the specifics of your health insurance plan, the amount of your treatment costs covered will vary. Beacon Health Insurance is part of a network of insurance companies, there are options available for insurance policyholders to travel out of state for addiction and mental health treatment. 

How to Check Your Beacon Insurance Coverage

If you’re curious about the coverage available to you and want to check your specific benefits, there are specific methods available to discover the extent of your coverage. Muse treatment centers have insurance specialists that can verify the level of coverage offered and find you the most cost coverage as possible. You can call Muse at 1(800) 426-1818 or verify your insurance through our website. 

What Does Beacon Insurance Cover?

Beacon Insurance covers a variety of treatments for substance use disorders and mental health disorders. Beacon insurance covers the following treatment includes: 

  • Medical detox 
  • Residential addiction treatment programs 
  • Outpatient rehab programs
    • Partial Hospitalization Program
    • Intensive Outpatient Program 
  • Dual diagnosis treatment of co-occurring disorders including mental health and substance use disorders 
  • Family therapy 
  • Trauma therapy 
  • Medication-assisted treatment 

Before beginning addiction treatment, you may be required by Beacon Insurance to speak to your primary care physician to obtain a referral for addiction and mental health treatment. 

Does Beacon Insurance Cover Mental Health & Substance Abuse Treatment?

Yes, Beacon Insurance is required under the Affordable Act to include treatment for mental health and substance use disorders. There are varying parameters of services covered and the fees covered within each specific treatment plan. The coverage variance can differ depending on certain factors– the type of insurance plan you have, what state you live in, and if the treatment provider is considered to be an in-network or out-network provider. Beacon Insurance policyholders have access to free online support and resources for anyone living with substance use disorders and seeking help for overcoming addiction. 

Does Beacon Insurance Cover Inpatient Drug & Alcohol Rehab?

Yes, inpatient rehab can be covered under Beacon Insurance. You may be required to meet with your primary healthcare provider beforehand to determine the need for an inpatient rehab program. Additionally, the admission team at Muse will complete initial biopsychosocial assessments upon intake that support our team in determining the risks associated with your substance use disorder and the specific needs you’ll require from a treatment program.  Factors that Muse and Beacon will consider when deciding if inpatient rehab is the right fit for you are: 

  • Your age and demographic information 
  • The types of substances you engaged in using 
  • Your specific history with addiction and substance use 
  • If you have any family history of addiction
  • Determine if there are any co-occurring disorders 
  • If you’ve attended any previous treatment programs prior or experienced a history of relapse 
  • Legal concerns that you’ve encountered during your addiction 

Does Beacon Insurance Cover Intensive Outpatient Alcohol & Drug Rehab?

Yes, Beacon Insurance includes coverage for outpatient treatment programs including an intensive outpatient program (IOP). When you begin an IOP. you’ll meet with our admission team and addiction treatment staff that will work with you to create a personalized treatment program that is designed to address your specific healing needs and meet your overarching goals for addiction recovery. Patients engaging in an IOP will attend the recovery center for addiction therapy sessions for a period of 9 to 20 hours a week depending on their specific needs and requirements from treatment. An IOP offers flexibility in your treatment schedule that can be planned around your prior obligations of work, school, or family life. 

Does Beacon Insurance Cover Partial Hospitalization?

Yes, Beacon Insurance policyholders are eligible to have a partial hospitalization program (PHP) covered under your insurance plan. A PHP invites patients to undergo addiction treatment in an outpatient setting that offers more intensive support and treatment programs. Patients are invited to attend the treatment facility during the day to complete therapy sessions while having the flexibility to return home each evening. A PHP typically asks patients to commit to 20 hours a week in addiction therapy. 

How Long Will Beacon Insurance Cover Alcohol & Drug Rehab?

Each patient has their own specific needs from a rehab program. The admission team at Muse will take the time to get to know you and your unique circumstances with substance use to create a recommendation for how long your rehab program should be. Beacon will cover some, or all, of the costs depending on the recommendations from your primary healthcare provider and specific insurance plan. 

Beacon Insurance May Offer Treatment Coverage for the Following Addictions: (list of Addiction Types linking to Addiction pages – 5 of them under the “addiction” dropdown on Muse homepage)


Beacon offers insurance coverage for a variety of treatment methods that focus on behavioral health medicine. The specific covered treatment options will vary from state to state and differ depending on the specifics of your insurance plan. 

What are the Options if Beacon Insurance Does Not Cover the Cost of Drug & Alcohol Rehab?

Addiction treatment is a necessary component for recovery from drug or alcohol use. The cost of a drug or alcohol rehab can feel overwhelming if you’re looking to pay out of pocket for your treatment program. If Beacon Insurance is unable to pay for the cost of your treatment program, there are steps you can take to advocate for the cost of your rehab program to be covered. The first step you can take is to speak to your physician and ask them to file a supporting letter that documents the necessity of addiction treatment in your circumstances. This letter can be used when you file an appeal regarding the decision that was made within Beacon Insurance. Speaking with your state office that oversees the insurance laws and supporting people in accessing these. These helpful representatives will investigate your circumstances and see if there is any room to assist you in gaining the support you need from an addiction treatment program. 


If you’re unable to appeal the insurance coverage, there are financing options available at Muse Treatment Centers to access the necessary forms of addiction treatment. Patients within our recovery center have options for payment plans that will work within your specific financial means allowing you or a loved one to gain the help you want and deserve. 

Verify Your Insurance With Us

Healthcare insurance plans are complex and determining the extent of your coverage can feel overwhelming if you’re not well-versed in the specifics of healthcare plans. Muse Treatment Centers employs insurance specialists who have a keen understanding of insurance plans and know how to navigate gaining optimal coverage for your treatment program. Muse accepts most major preferred providers and our team can help you verify your insurance online to help you get on the road to recovery sooner. 

Next Steps with Insurance Coverage for Alcohol & Drug Rehab Treatment with Muse Treatment

At Muse Treatment Centers, we’re dedicated to supporting our patients every step of the way in your recovery program. We know that seeking help can feel daunting when you don’t know what to expect. Our compassionate team understands the road to recovery and the emotions that can come with a healing process. We strive to provide all of our patients with a safe, supportive, healing environment that allows them to put their substance use behind them and gain confidence in creating a new life for themselves free of drugs and alcohol. 


Our interdisciplinary team consists of healthcare professionals, addiction therapists, holistic practitioners, and support staff that will provide you with comprehensive levels of care and evidence-based treatment methods. Every patient is offered a personalized treatment program that assists in addressing the root causes of their addictive behaviors, developing an awareness of their triggers, and gaining the life skills and coping strategies to maintain long-lasting sobriety. You have what it takes to overcome addiction and the first step towards your new life in sobriety starts by calling our admission team at 1-800-426-1818 to start your road to recovery and healing. 


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